Purchasing a property is most likely the biggest financial decision you will ever make, so having an expert in your corner to help you through the process is a must. We can help you understand complex issues, complete the piles of paperwork and finalize your purchase. We can also provide you with access to property listings before they hit the general market.
Read below for some basics about the home buying process.
The real estate market is ever-changing.
You’ve probably heard a real estate agent tell you, “It’s a sellers’ market,” or ,”It’s a buyers’ market.” The key to making the right purchase begins with understanding the overall climate of the real estate market. In a sellers’ market, like we’ve experienced since 2015, it’s important to be fully prepared before you get serious about buying.
We are experts, and we want you to be as educated as possible about the home-buying process
So here’s how the purchase process works: most often, real estate commissions are paid by the Seller. Therefore, the Seller of the property you purchase pays the bill for us to work for you. Not all real estate agents are experienced, but we are. Not all agents sell full-time, but we do. The agent that you hire should advise you according to your goals, write an offer that puts you in the best position possible, and helps you understand every aspect of the home buying process. We do just that for our clients every day, and we want to be your agents for life.
Here are the steps you should take in the home-buying process:
1. Determine if you’re ready to buy.
Are you ready to make the investment, or are you just getting an indication of housing styles and pricing? Houses are selling quickly, and sometimes even above asking price. What you see today may not be on the market in two weeks.
2. Find a lender and get pre-approved.
Know exactly what you can afford so you’re prepared to make an offer on something you love. Your lender will also explain your financing options and estimate your price range within your budget. If you’re not sure what lender to call, we can help you find a reliable and trustworthy one.
3. Don’t make any financial or income changes.
Once you’re pre-approved, you want to avoid switching jobs, buying a new car, getting a new credit card, or doing anything else that could adjust your debt-to-income ratio or credit score.
4. Get to know neighborhoods and communities.
Narrow your focus by getting to know the neighborhoods and communities you’re interested in. We know the market inside and out and can help guide you towards the right location for you.
Now, you’ve probably found a house you’d like to put an offer on. We can help negotiate your offer to get you the best deal on a home you love!
Once your offer has been accepted, there are a few next steps:
5. Get a home inspection.
Never purchase a home without a professional third-party opinion. Make sure you’re aware of any potential problems or investments you may have to make before you close on the house.
6. Rely on us.
We don’t just get paid to broker a deal, we are available to advise you, help you make good decisions and understand every aspect of the home buying process.
We believe in taking care of our clients during each step of the process, so you can find the home of your dreams within your budget. And once you find that home, we’re always available to refer you to services you might need, or give advice.
We look forward to working with you!